FAQs

eQuoteAssist FAQ

What is health insurance?
Health insurance is a contract in which the insured and the insurer shares risk. The insured pays a premium to the insurer who pays a predetermined amount of money toward health care expenses.

    STEP 1: Choose the plan in which you wish to enroll.

    STEP 2: Identify the individual adult rate based on the chosen plan (rates are located at the bottom of the plan 

    column), locate the range for your current age.  This rate represents the cost for each eligible adult you wish to

    cover on your plan.

    STEP 3: Locate the additional child rate for each child you wish to cover

    under your plan.

    STEP 4: Add up all of the dollar amounts for each person you wish to cover under your plan. This is your total 

    monthly rate for the plan you selected.

How do I use this website to apply for my insurance plan?

After calculating your total premium, click the "apply now" link at the top of the calculated plan's column. This link will direct you to the corresponding insurance company's website, where you can apply and pay your plan premium.

What does it cost to use eQuoteAssist.com?
Nothing.   Your premium is the same whether you purchase your health plan directly from the insurance company or through eQuote Assist.com.  eQuoteAssist.com was developed to help you select the right plan with the right premium from among the best health plans in the State of Washington.

If I apply for an insurance plan, am I obligated to buy?
No. You are under no obligation to buy a health insurance plan when using our site. After submitting your application you may cancel it at any time during the underwriting process.

What is the difference between an HMO and a PPO?
An HMO (health maintenance organization) and a PPO (preferred provider organization) are both managed care organizations that use certain procedures to manage the accessibility, cost and quality of healthcare. The levels of service and flexibility vary from plan to plan.

An HMO shares financial and delivery risks relating to health care services with those who are enrolled in a healthcare plan in exchange for a fixed, prepaid fee.

A PPO is a similar arrangement but the organization provides coverage for services through a preferred provider at a discounted rate. Services obtained by a provider who is not a preferred provider may be covered, but the rate may be substantially higher.

What is a deductible?
A deductible is an amount of money that an insured person pays out-of-pocket before the insurance company becomes responsible for any benefit payments.

 
What is the difference between a co-pay and co-insurance?
Co-insurance is the portion of costs that are shared between the insured and the insurer. It is common for an insurance company to pay 80% with the insured (you) being responsible for the remaining 20%.

A co-pay is a predetermined amount of money that the insured pays out for certain services. For example, if you have a $20 co-pay on doctor’s visits, you would pay the doctor $20 for every visit and the insurance would pay the rest of the doctor’s fee for that visit. Special services, like x-rays or lab work, aren’t usually covered under the co-pay for the doctor’s visit.

Are co-payments counted as part of the annual deductible?
Not usually. Most insurance policies that have co-pays and deductibles handle doctor's visits and hospital stays separately. You have to read the terms of your policy to be sure, but in most cases, a co-pay applies to the doctor's visit and the deductible applies to hospitalization or other healthcare services.

Need Help Choosing A Plan?

We can help you find the best health plan to fit your needs. Complete the contact form and an eQuoteAssist.com representative will contact you with personalized options.  Contact Us